Borrowing estimates for Moray, built from published survey rates and population figures.
An estimated 64,100 adults in Moray held at least one credit or loan product in 2024.
Source: Estimate from FCA Financial Lives 2024 and ONS mid-2024 population estimates, Borrowing Data, 2024
Estimate: 83% of adults in Scotland held at least one credit or loan product (FCA Financial Lives 2024, adults aged 18 and over) applied to 77,282 adults aged 18 and over in Moray (ONS mid-2024 population estimates, single-year ages summed).
An estimated 48,700 adults in Moray held a credit card in 2024.
Source: Estimate from FCA Financial Lives 2024 and ONS mid-2024 population estimates, Borrowing Data, 2024
Estimate: 63% of adults in Scotland held a credit card (FCA Financial Lives 2024, adults aged 18 and over) applied to 77,282 adults aged 18 and over in Moray (ONS mid-2024 population estimates, single-year ages summed).
An estimated 16,200 adults in Moray were overdrawn on a current account in 2024.
Source: Estimate from FCA Financial Lives 2024 and ONS mid-2024 population estimates, Borrowing Data, 2024
Estimate: 21% of adults in Scotland were overdrawn on a current account (FCA Financial Lives 2024, adults aged 18 and over) applied to 77,282 adults aged 18 and over in Moray (ONS mid-2024 population estimates, single-year ages summed).
An estimated 20,100 adults in Moray had a residential mortgage in 2024.
Source: Estimate from FCA Financial Lives 2024 and ONS mid-2024 population estimates, Borrowing Data, 2024
Estimate: 26% of adults in Scotland had a residential mortgage (FCA Financial Lives 2024, adults aged 18 and over) applied to 77,282 adults aged 18 and over in Moray (ONS mid-2024 population estimates, single-year ages summed).
An estimated 15,500 adults in Moray used buy now, pay later credit in 2024.
Source: Estimate from FCA Financial Lives 2024 and ONS mid-2024 population estimates, Borrowing Data, 2024
Estimate: 20% of adults in Scotland used buy now, pay later credit (FCA Financial Lives 2024, adults aged 18 and over) applied to 77,282 adults aged 18 and over in Moray (ONS mid-2024 population estimates, single-year ages summed).
An estimated 4,790 adults in Moray held high-cost credit in 2024.
Source: Estimate from FCA Financial Lives 2024 and ONS mid-2024 population estimates, Borrowing Data, 2024
Estimate: 6.2% of adults in Scotland held high-cost credit (FCA Financial Lives 2024, adults aged 18 and over) applied to 77,282 adults aged 18 and over in Moray (ONS mid-2024 population estimates, single-year ages summed).
An estimated 17,800 adults in Moray had low financial resilience in 2024.
Source: Estimate from FCA Financial Lives 2024 and ONS mid-2024 population estimates, Borrowing Data, 2024
Estimate: 23% of adults in Scotland had low financial resilience (FCA Financial Lives 2024, adults aged 18 and over) applied to 77,282 adults aged 18 and over in Moray (ONS mid-2024 population estimates, single-year ages summed).
An estimated 6,180 adults in Moray were in financial difficulty in 2024.
Source: Estimate from FCA Financial Lives 2024 and ONS mid-2024 population estimates, Borrowing Data, 2024
Estimate: 8% of adults in Scotland were in financial difficulty (FCA Financial Lives 2024, adults aged 18 and over) applied to 77,282 adults aged 18 and over in Moray (ONS mid-2024 population estimates, single-year ages summed).
The estimated population aged 16 and over in Moray was 79,744 at mid-2025.
Source: Population estimates - local authority based by single year of age (Nomis NM_2002_1), mid-year estimates, Office for National Statistics, 30 June 2025
ONS mid-2025 population estimates (published 29 July 2026 for England and Wales; Scotland and Northern Ireland as carried in the same Nomis table), local authority boundaries as of April 2023, usual residents, as returned by the Nomis 'Aged 16+' category.
An estimated 64,100 adults in Moray held at least one credit or loan product in 2024. An estimated 48,700 adults in Moray held a credit card in 2024. An estimated 16,200 adults in Moray were overdrawn on a current account in 2024.
An estimated 64,100 adults in Moray held at least one credit or loan product in 2024.
An estimated 48,700 adults in Moray held a credit card in 2024.
An estimated 16,200 adults in Moray were overdrawn on a current account in 2024.